from 7.5% to 7.2% yoy from the expansions of loan portfolio in the low yield segment – housing loans, corporate lending and real estate development loans. 6 Meanwhile, cost of fund for 2018 was
the investment in branch expansion and development of IT systems and equipment in Q3/2019 as indicated in theprospectus 12. Opinion of the Company’s Audit Committee and/or directors which differs from
and liquidity of the Company because the Company has no loan obligations. While waiting for the investment in branch expansion and development of IT systems and equipment in Q3/2019 as indicated in the
shareholder in the amount of USD 9.51 million. The Company additionally received opportunity cost in the amount of Baht 10 million. Such sale of shares is a termination of joint investment for the development
Development) million baht 6,976 7,319 6,599 Operating expenses to sales (%) 14.16% 15.61% 14.06% Operating profit margin (%) 11.31% 10.87% 13.23% Other income to total revenues (%) 2.22% 1.60% 2.20% Net profit
% from decreasing of revenue as mentioned. Major Development in 1Q19 On 5 January 2019, the Company closed Dusit Thani Bangkok hotel for the construction of Dusit Central Park project, a mixed-use property
3,137mn, from the assumption of a 50% stake in the joint venture with Sansiri, Keystone Estate joint venture and Keystone Management joint venture, (iv) an increase in land and project awaiting development
Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 5 3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development
construction cost and investment in future project. 4. Calculation of Transaction Size The transaction is considered as acquisition of assets according to the Notification of the Capital Market Supervisory Board
15,981 1.8% Interbank and money market items 593 676 307 (12.3)% 93.2% 1,673 805 107.8% Contributions to the Deposit Protection Agency and Financial Institutions Development Fund 2,479 2,498 2,442 (0.8